Terms of Use
Effective March 18, 2024
1. Acceptance of Terms
By accessing or using this website, you agree to these Terms of Use and to comply with all applicable laws and regulations. If you do not agree, please do not use this site.
2. Purpose of the Website
Neighbors Helps LLC provides educational and marketing information about insurance and retirement‑planning products. Content is for informational and educational purposes only—it does not constitute financial, legal, or tax advice and should not be used to make purchase decisions without consulting licensed professionals.
3. No Offer or Guarantee of Coverage
Submitting information through this website does not create a client relationship or guarantee policy approval, eligibility, or coverage. Insurance can be bound only by a licensed agent and the issuing carrier after all underwriting requirements are met.
4. Product Disclosures
All insurance products are subject to the terms, conditions, fees, and limitations established by each carrier. Indexed Universal Life and annuity products involve caps, participation rates, policy costs, and other variables that can affect performance. Returns and dividends are never guaranteed.
5. No Professional Advice
Website content does not replace individualized advice from qualified legal, tax, or financial advisers. You are responsible for evaluating any information before acting on it.
6. Acceptable Use
- Use this site only for lawful purposes and in compliance with these terms.
- Do not attempt to gain unauthorized access to systems or data.
- Do not submit false or misleading information or interfere with site operation.
7. Intellectual Property
All text, design, logos, and images on this site are the property of or licensed to Neighbors Helps LLC. You may view, download, or print content solely for personal, non‑commercial use.
8. Third‑Party Links and Services
This website may link to external websites or services we do not control. We are not responsible for the content or privacy practices of those third parties.
9. Limitation of Liability
To the fullest extent permitted by law, Neighbors Helps LLC and its agents are not liable for any direct, indirect, incidental, or consequential damages resulting from your access to or use of this website.
10. State Licensing and Jurisdiction
Services are offered only in states where our agents are properly licensed. These Terms shall be governed by and interpreted under the laws of the State of California, without regard to its conflict‑of‑law rules.
11. Changes to Terms
We may update these Terms of Use periodically without prior notice. The updated version will be posted on this page with a new effective date.
12. Contact Us
Questions regarding these Terms may be directed to:
Neighbors Helps LLC
Email: [email protected]
Location: Yuba City, California
Neighbors Helps